Czy kalkulator uwzględnia wszystkie koszty okołokredytowe?

Nie. Pokazuje ratę i koszt odsetek przy zadanych parametrach; opłaty banku mogą zmieniać wynik.

Czy rata stała zawsze oznacza niższe ryzyko?

Rata stała zmniejsza ryzyko wahań, ale bywa droższa od zmiennej w długim okresie.

Czy wkład własny zmienia koszt kredytu?

Tak. Wyższy wkład zwykle obniża kwotę kredytu i koszt całkowity.

Mortgage calculator — payment, down payment

Calculate estimated mortgage instalment and required down payment. Current LTV limits. For guidance — the bank sets the final offer.

How does the calculator work?

Calculates the indicative mortgage instalment and minimum down payment from property value and LTV (KNF Recommendation S: typically max 80% LTV, up to 90% with insurance). Enter property value, choose LTV, interest rate from the bank offer and term. Result is indicative — the bank sets the final offer (APR, insurance, fees).

LTV limits (KNF Recommendation S)

LTV	Description
80%	Standard (min. 20% down payment) — KNF Recommendation S.
90%	With low down-payment insurance (min. 10% down).

As of: 2026-02-01. Check KNF and bank offers.

Conditions and exceptions

• Interest and APRC are set by the bank — enter the value from the offer or simulation.
• The calculator does not include property insurance, life insurance or fees.
• Government programmes (e.g. "Flat without down payment") have different terms — gov.pl.

Examples

• Value 500,000 PLN, LTV 80%, 5% p.a., 25 years → loan 400,000 PLN, min. down 100,000 PLN, instalment approx. 2,337 PLN. • Value 600,000 PLN, LTV 90%, 6%, 30 years → loan 540,000 PLN, min. down 60,000 PLN. Interest from bank offer.

FAQ

What is LTV?: LTV (Loan to Value) is the ratio of the loan amount to the property value. E.g. at 80% LTV you can borrow up to 80% of the flat value; 20% is the minimum down payment. KNF Recommendation S limits LTV (standard max 80%, with insurance up to 90%).
Where to get the interest rate?: The bank sets the rate (WIBOR + margin). Enter the value from your chosen offer or simulation. The calculator does not compute APRC or include insurance and fees — the result is indicative.
Is a 20% down payment mandatory?: KNF Recommendation S provides for a standard max LTV of 80%, i.e. min. 20% down. Banks may offer a loan with a lower down payment (e.g. 10%) with low-down-payment insurance. There are also government programmes (e.g. "Flat without down payment") — conditions on gov.pl.
Does the calculator include insurance and fees?: No. It only shows the annuity instalment on the loan amount. In practice you also have: property insurance, possibly life insurance, bank fees. The bank gives APRC and full cost in the offer.

Legal basis

As of: 2026-02-01.

Legal information

Calculations are for information and estimation only. They do not constitute legal, tax or other professional advice. For individual matters, consultation with a lawyer, tax adviser or other specialist is recommended.

Legal basis

KNF Recommendation S (LTV), banking law. The calculator is indicative; the bank sets the final offer, APRC and terms.